Crypto.com Review 2026
Best mobile experience and crypto Visa card
Up to 50 USDT in CRO rewards
Crypto.com combines exchange trading with a consumer-focused Visa card that offers up to 5% crypto cashback. Rated 7.6/10, it scores highest on mobile experience (9/10) and is ranked #1 in the Kaiko Q1 2026 Exchange Ranking. Best for users who want to spend crypto in daily life.
Rating Breakdown
Key Features
🎯 Trading
250+ coins, 350+ pairs
Max leverage: 10x (limited)
Contracts: Perpetual Futures (via Crypto.com Derivatives)
💰 Fees
Spot: 0.075% / 0.075%
Futures: 0.04% / 0.06%
Funding: 0.01%
🔒 Security
Proof of Reserves
Monthly Proof of Reserves
🌍 Availability
US, EU, UK, Singapore, Australia, 90+ countries
US: ✅ EU: ✅
💰 Fee Analysis
Exchange spot fees at 0.25%/0.50% are high, but CRO staking can reduce maker fees to 0%. The Visa card cashback (1-5% depending on CRO stake tier) effectively offsets trading fees for regular users. Withdrawal fees are standard.
🔒 Security Deep Dive
ISO 27001 and SOC 2 Type II certified. MiCA authorized in Luxembourg. Proof of Reserves last published in 2022 (a weakness). US ACH and Fedwire funding available. No major security incidents.
📊 Trading Features Review
400+ spot coins on the global Exchange. Margin, futures, options, OTC trading. Trading bots and subaccounts. The mobile app integrates exchange trading, crypto card spending, and Earn products in one seamless experience.
📱 App Experience
The Crypto.com app (4.8/5) is the best consumer-facing crypto app. Spend crypto at millions of merchants via Visa card. Clean interface for buying, selling, and staking. The Exchange (order-book) side has fewer features than the app.
🏦 Deposit & Withdrawal
ACH (US), SEPA (EU), credit cards, and crypto deposits. Free ACH transfers. 7 business-day hold on Instant ACH. 6 fiat currencies supported. Minimum deposit $0.
🤝 Customer Support
24/7 in-app support, live chat, and email. The in-app support experience is smooth. Phone support not available for regular users.
Pros & Cons
✅ Pros
- Best-in-class mobile app experience
- Crypto.com Visa card with cashback
- Strong regulatory compliance
- Good for everyday crypto spending
- Clean, intuitive design
❌ Cons
- Higher trading fees
- Limited derivatives offerings
- Fewer coins than competitors
- Customer support quality varies
- CRO token staking required for best rates
Who Should Use This Exchange?
✅ Best For
Users who want to spend crypto daily via Visa card. Mobile-first traders who value app experience. CRO stakers who benefit from fee discounts.
❌ Not For
High-frequency traders (fees are high without CRO staking). Desktop-focused traders who need advanced charting.
Detailed Comparison
| Fees & Costs | ||
| Spot Maker/Taker | 0.075% / 0.075% | |
| Futures Maker/Taker | 0.04% / 0.06% | |
| Avg Funding Rate | 0.01% | |
| BTC Withdrawal Fee | 0.0005 BTC | |
| ETH Withdrawal Fee | 0.002 ETH | |
| Min Deposit | $0 | |
| Trading Features | ||
| Copy Trading | ✗ Not available | |
| Trading Bots | ✓ | |
| Demo Trading | ✗ | |
| Staking / Earn | ✓ Up to 12% APY (CRO staking) | |
| NFT Marketplace | ✓ | |
| Web3 Wallet | ✓ | |
| Launchpad / IEO | ✓ | |
| VIP Program | ✓ | |
| Platform & UX | ||
| Mobile App Rating | 4.8/10 | |
| API Quality | Good (REST + WebSocket) | |
| Deposit Methods | Bank Transfer, Credit Card, Crypto Deposit, Apple Pay, Google Pay | |
| Fiat Currencies | USD, EUR, GBP, CAD, AUD, SGD, HKD | |
| Security & Regulation | ||
| Insurance / Protection | Proof of Reserves | |
| Regulation & Licenses | EU MiCA compliant, Singapore MAS, Australia AUSTRAC, US FinCEN | |
| KYC Requirements | Tier 1: Basic, Tier 2: Verified, Tier 3: Plus (staking required) | |
| US Available | ✓ | |
| EU Available | ✓ | |
| Support | ||
| Support Channels | 24/7 Live Chat, Email, In-App Support, Help Center | |
| Referral Commission | $25 USD referral bonus | |
Security & Transparency
Security Features
- ISO 27001 and PCI:SSD certified
- Cold storage for all assets
- Proof of Reserves
- Insurance coverage
Regulatory Status
- Licensed in multiple jurisdictions
- Singapore MAS licensed
- EU MiCA compliant
- Available in US (via Crypto.com Exchange)
Our Verdict
Crypto. Crypto.com delivers a strong overall experience with 250+ coins, competitive fees (0.075% maker), and solid security. Best for: Users who want to spend crypto daily via Visa card. Mobile-first traders who value app experience. CRO stakers who benefit from fee discounts.. Up to 50 USDT in CRO rewards
Frequently Asked Questions
Crypto.com has strong security measures including proof of reserves. It has been operating since 2016 and serves users in 100+ countries. However, no exchange is 100% risk-free — always use 2FA and consider storing large amounts in a hardware wallet.
Crypto.com charges 0.075% maker and 0.075% taker fees for spot trading, and 0.04% / 0.06% for futures. These are among the most competitive in the industry.
Crypto.com is available for US users. US residents can use the platform normally.
Affiliate Disclosure: KipenO may earn a commission when you sign up through links on this page. This does not affect our ratings or editorial opinions. How we rate →